I wouldn't worry about your recent credit history. I was withdrawing money from the hole in the wall and walking straight into the bank and paying it back in as my monthly payment.
I do recommend that you speak to a professional. Either visit the experts link on the left hand side of the page and contact one of the experts who post on here, or visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice as to all of the options open to you.
Contact an insolvency practitioner directly for further advice and reassurance on this point.
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